We're shaking things up with a new format every-other week. Starting with today's episode, Rick will talk about a timely topic of his choosing on alternating weeks from regular shows featuring our incredible industry guests. Our inaugural InsuRant falls on Halloween, which also happens to be 60 days before the end of 2019. Rick takes the chance to remind you about the importance of year-end planning and setting yourself and your staff up for success (starting at 3:40). Then, since it is Halloween after all, Rick explores some spooky-but-real insurance coverages you might consider getting into, like Alien Abduction and Vampire/Werewolf just to name a few (around 10:20). Finally, you'll hear one of Rick's favorite personal stories about the convergence of Halloween, toddlers, and the need for sewer backup insurance (at 14:50).